Between the governments tax overhaul, a list of fluctuating ACA regulations and the challenges created by new technology, Its not going to be an easy year for small businesses.

Many brokers and small business leaders have heard of professional employer organizations (PEO). However, it is still common within the industry to not fully understand how to distinguish one PEO from another.

If an employer wants to offer employees pretax payroll deferrals to their health savings accounts, the employer needs to first create a Section 125 plan or cafeteria plan that allows HSA deferrals.

The flexibility of HSAs makes them appealing for a wide range of users, but that same flexibility can make explaining these accounts a challenge. No two people have identical health benefit needs, and each employee will use an HSA differently.